Park Forest, IL · Charter 65007
Q4 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2002, the quarter ended December 31, 2002, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Park Forest, IL · Charter 65007
Q4 2002
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.46% | 0.69% | 0.38% | 0.50% | 0.39% | -6 bps | |
| Return on Equity | 4.45% | 5.92% | 3.76% | 4.26% | 3.53% | -91 bps | |
| Net Interest Margin | 3.59% | 3.81% | 3.41% | 3.89% | 3.53% | -5 bps | |
| Efficiency Ratio | 87.70% | 82.93% | 89.09% | 87.33% | 89.11% | +141 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 15.99% | 2.09% | 12.71% | 1.59% | -2.11% | -1,810 bps | |
| Loan Growth (YoY) | 16.15% | 29.01% | 21.31% | 41.65% | 5.27% | -1,088 bps | |
| Share Growth (YoY) | 16.77% | 1.16% | 13.22% | 0.90% | -3.10% | -1,987 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.39% | 0.10% | 0.08% | 0.95% | 0.89% | +51 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 9.07% | 8.16% | 8.62% | 8.26% | 8.59% | -48 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.30% | 11.60% | 10.16% | 11.83% | 11.15% | +85 bps | |
| Net Worth / Assets | 10.30% | 11.60% | 10.16% | 11.83% | 11.15% | +85 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 49.36% | 61.19% | 49.01% | 59.87% | 53.62% | +426 bps | |
| Liquid Assets / Assets | 57.81% | 48.26% | 57.70% | 43.65% | 54.41% | -340 bps | |